The top-rated commercial insurance agent in San Jose, California is Acceptance Insurance, rated 4.9 stars across 1,063 reviews. Other highly rated options include Freeway Insurance, Cost-U-Less Insurance, Preeti Sehgal - State Farm Insurance Agent. This directory lists 28 commercial insurance agents serving San Jose.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Acceptance Insurance | 2602 Alum Rock Ave | (408) 610-7535 |
| 2 | Freeway Insurance | 1646 Story Rd | — |
| 3 | Cost-U-Less Insurance | 1915 Alum Rock Ave A | (408) 479-2635 |
| 4 | Preeti Sehgal - State Farm Insurance Agent | 1054 S De Anza Blvd STE 106 | (408) 320-1022 |
| 5 | KC Independent Insurance Solutions, LLC | 3031 Tisch Way Suite 308 | (408) 502-7080 |
| 6 | Shana Nelson - State Farm Insurance Agent | 960 Saratoga Ave #106 | (650) 988-8990 |
| 7 | Khalsa Insurance Agency | 3750 McKee Rd A | (408) 272-2500 |
| 8 | Leavitt Pacific Insurance Brokers | 1570 The Alameda Suite 101 | (408) 288-6262 |
| 9 | Rick M Insurance Agency | 160 E Tasman Dr Rm 4 | (747) 230-7954 |
| 10 | Balance Insurance Agency Inc | 1655 Alum Rock Ave | (408) 649-3549 |
Acceptance Insurance serves the San Jose, California metro area as a commercial insurance agent. The company helps local businesses with a range of coverage needs, helping to protect against operational and liability risks. They assist clients with selecting appropriate policies for property, general liability, and workers' compensation. This work supports the unique requirements of small to mid-sized enterprises operating in Santa Clara County. For local business owners, the agent handles both commercial auto insurance and specialized contractor coverage in this area.
Businesses and property managers in San Jose turn to Cost-U-Less Insurance for commercial coverage solutions. The agency helps clients assess liability, property, and workers compensation risks while securing policies that match their operational needs. Standard commercial insurance services include tailored advice on coverage limits and policy options. Cost-U-Less Insurance also serves clients in the greater Santa Clara Valley metro area.
Preeti Sehgal - State Farm Insurance Agent in San Jose, CA, offers a comprehensive range of commercial insurance solutions tailored to local business needs. The agency helps clients secure coverage for property, liability, and business interruption, with service plans that include regular policy reviews to adjust for evolving risks. It also provides ongoing support for claims management and risk mitigation strategies. The company services a variety of properties, including single-family homes, apartment buildings, retail storefronts, and restaurants, ensuring each business has appropriate liability and asset protection.
KC Independent Insurance Solutions, LLC serves businesses, property managers, and commercial property owners throughout the San Jose area. The agency focuses on assessing unique operational risks and securing suitable liability and property coverage. It works to understand each client’s industry exposures and recommends policies that align with their specific needs. By offering multiple insurance carrier options, the firm helps commercial clients compare plans and premiums. KC Independent Insurance Solutions also extends its service reach to neighboring communities in the Santa Clara Valley and the greater South Bay metropolitan region.
Shana Nelson - State Farm Insurance Agent in San Jose, CA, distinguishes between one-time commercial insurance policies, suitable for single projects or events, and recurring coverage for ongoing business operations. The agency offers liability, property, and workers' compensation protection tailored to local enterprises. Services are available to retail stores, contractors, and office-based companies seeking to manage operational risks. Consultations and policy management run on a scheduled basis, with claims support and adjustments available as needed.
Khalsa Insurance Agency serves San Jose and the surrounding communities of Silicon Valley, handling commercial insurance needs for local businesses. The agency works with diverse clients, from small retail shops to mid-sized service contractors, assessing their specific operational risks. A typical engagement begins with a thorough review of the company’s liabilities, property, and industry requirements. To address each client’s unique exposure, the agency then customizes coverage options from multiple carriers before presenting the most suitable solutions.
Leavitt Pacific Insurance Brokers in San Jose provides specialized commercial insurance solutions, including general liability and property coverage tailored to local businesses. It works with companies to manage risk, secure adequate protection, and navigate complex policy requirements. During the dry California summer months, it actively helps clients address increased wildfire exposure by reviewing property coverages and liability limits.
Rick M Insurance Agency works with businesses in San Jose to secure commercial coverage that addresses general liability and property exposures. It also offers specialized add-ons such as workers compensation and commercial auto policies to protect against workplace and fleet-related risks. The agency serves commercial clients operating offices, warehouses, and food service establishments by tailoring policies to the distinct operational needs and regulatory demands of each sector.
As San Jose businesses prepare for the seasonal shift in fire risk and liability exposures, Balance Insurance Agency Inc provides tailored commercial insurance solutions in this region. The agency works closely with local enterprises across various sectors, helping them secure policies that address property, general liability, and other operational needs. By thoroughly reviewing each client’s unique business operations and risk profile, Balance Insurance Agency Inc identifies appropriate coverage options. An initial consultation and on-site inspection of the business premises is scheduled to begin this process.
What Does a a Commercial Insurance Agent in San Jose Cost?
Typical costs for a small business in San Jose range from 500 to 3000 dollars per year for general liability insurance. Workers compensation premiums average 1 to 3 dollars per 100 dollars of payroll in California. Commercial auto policies often start at 1200 dollars annually. Costs vary by industry coverage limits and risk factors. This is general information and not insurance advice.
About commercial insurance agents in San Jose
Commercial insurance agents in San Jose help businesses find coverage for property liability and workers compensation. California law requires most employers to carry workers compensation insurance under Labor Code Section 3700. Agents also guide businesses on state-specific risks like earthquake coverage and wildfire liability common in the region.
Frequently Asked Questions
What types of commercial insurance does a San Jose agent offer?
Agents offer general liability property insurance workers compensation commercial auto and professional liability. They also provide specialized coverage for tech startups and manufacturing firms common in Silicon Valley.
Is commercial insurance required by law in California?
California requires workers compensation insurance for nearly all employers under Labor Code Section 3700. Commercial auto insurance is required for business vehicles. Other types like general liability are not state-mandated but are often required by landlords or clients.
How do San Jose commercial insurance agents determine premiums?
Premiums are based on business type revenue payroll claims history and location. Agents in San Jose also consider local risks such as seismic activity and flood zones. Rates are regulated by the California Department of Insurance.
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